Armstrong Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 101.96 percentage points lower than in Q1 2026, at 244.41%. Armstrong Bank ranks 86th of 169 Oklahoma banks on return on assets, in the lower half at 1.42% (Q2 2026). Armstrong Bank reported 1.42% on return on assets for Q2 2026, 0.14 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.89% |
| Tier 1 risk-based capital ratio | 13.89% |
| Total risk-based capital ratio | 14.97% |
| Tier 1 leverage ratio | 10.42% |
| Equity capital to assets | 8.19% |
| Tangible equity to tangible assets | 7.66% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.44% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.21% |
| Texas ratio | 4.70% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 244.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 18.02% |
| Net interest margin | 3.99% |
| Efficiency ratio | 54.79% |
| Yield on earning assets | 5.87% |
| Cost of funds | 1.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.18% |
| Core deposits to total deposits | 90.63% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.08% |
| Securities to assets | 18.73% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.53% | 14.53% | 15.66% | 9.27% | 0.58% |
| Q4 2023 | 14.58% | 14.58% | 15.71% | 9.19% | 0.38% |
| Q1 2024 | 14.35% | 14.35% | 15.48% | 9.18% | 0.39% |
| Q2 2024 | 14.46% | 14.46% | 15.57% | 9.46% | 0.79% |
| Q3 2024 | 14.63% | 14.63% | 15.70% | 9.65% | 0.98% |
| Q4 2024 | 14.34% | 14.34% | 15.36% | 9.75% | 0.86% |
| Q1 2025 | 14.32% | 14.32% | 15.34% | 9.82% | 0.92% |
| Q2 2025 | 14.14% | 14.14% | 15.14% | 10.10% | 1.24% |
| Q3 2025 | 14.21% | 14.21% | 15.23% | 10.48% | 1.79% |
| Q4 2025 | 13.74% | 13.74% | 14.83% | 10.44% | 0.89% |
| Q1 2026 | 13.69% | 13.69% | 14.77% | 10.34% | 1.24% |
| Q2 2026 | 13.89% | 13.89% | 14.97% | 10.42% | 1.42% |
Armstrong Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Armstrong Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Armstrong Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2315) · FFIEC NIC profile (RSSD 470452)